JPMorgan Chase Bank, National Association

94,243 mortgages originated in 2025 across 48 states, and what they cost borrowers.

Loans originated

94,243

Median rate

6.375%

Median lender fees

$4,408

Median loan amount

$335,000

Median spread over APOR

0.027

Paid discount points

49.8%

Received lender credits

25.1%

Purchases / refinances

60.2% / 28.4%

Conventional / FHA / VA

97.1% / 1.8% / 1.1%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 84% of loans here — see methodology.

Where JPMorgan Chase Bank, National Association lent

States with at least 50 loans in 2025, ranked by volume.